HDFC Bank Credit Card Lifetime Free Conversion Conditions 2022

[TechnoFinoTechnoFino is verified member.]

HDFC Bank recently updated their terms and conditions for converting a credit card to a lifetime free credit card.
According to the new conditions, we get 3 options (for maximum cards) for converting a credit card to a lifetime free card.

Credit Card	Annual Fees	LIFETIME FREE (You've to fulfil any one of the condition within first 90 days of card issuance)
CSC Small Business Moneyback	Rs. 250+GST	Spend Rs. 20,000
IndianOil / Freedom / MoneyBack / MoneyBack + / Business MoneyBack / Indigo-6E Rewards	Rs. 500+GST; Indigo 6E Rewards- Rs. 700+GST	Spend Rs. 30,000 / Apply for an Add on card / Balance Transfer (Min INR 10K transaction)
Millennia	Rs. 1000+GST	Spend Rs. 50,000 / Apply for an Add on card / Balance Transfer (Min INR 10K transaction)
Diners Privilege / Regalia / Business Regalia / Indigo-6E Rewards XL	Rs. 2500+GST	Spend Rs. 1,00,000 / Apply for an Add on card / Balance Transfer (Min INR 10K transaction)

Balance Transfer- Moving outstanding debt on one credit card to another card— is a balance transfer.
You can't convert HDFC Infinia & DCB credit cards lifetime free using the above methods.

SmartPay LTF option is no longer available for new registration, but bank can offer SmartPay option to selected customers, check your application form for available offers while applying for a new credit card.
*Upgraded credit cards are also eligible.

 

[akshayhs]

Adding your utility bills to autopay via SmartPay also qualifies as per a recent conversation with an HDFC branch employee. I don't have any source to back this up unfortunately.

 

[sameerdes]

So just applying for an add on will make a new card LTF too? Much easier than the other 2 options unless there's some catch involved.

 

[TechnoFinoTechnoFino is verified member.]

So just applying for an add on will make a new card LTF too? Much easier than the other 2 options unless there's some catch involved.

yes

 

[TechnoFinoTechnoFino is verified member.]

Adding your utility bills to autopay via SmartPay also qualifies as per a recent conversation with an HDFC branch employee. I don't have any source to back this up unfortunately.

For selected customers only.

 

[akshayhs]

Not now
It was earlier

I can confirm this to be true since I had a call with them just 2 days back. As TechnoFino replied, it may be for selected customers only.

 

[Bob78900]

yes

If we apply for add-on card for any of the family member to make it ltf. Both the cards will be ltf right? Addon cards are mostly free in hdfc bank? So by doing this both the cards will be ltf and one more thing after getting ltf confirmation can i close my add on card?. I guess this is the easiest way to make it ltf.

 

[mrclown]

If we apply for add-on card for any of the family member to make it ltf. Both the cards will be ltf right? Addon cards are mostly free in hdfc bank? So by doing this both the cards will be ltf and one more thing after getting ltf confirmation can i close my add on card?. I guess this is the easiest way to make it ltf.

If you close the add on card, you lose the LTF status and your card will become chargeable.

 

[AllSeeker]

I guess we need to now make sure that marriage works out 🤣

 

[prc1990]

HDFC Bank partners with Retailio to launch co-branded credit cards.

 

[Bob78900]

If you close the add on card, you lose the LTF status and your card will become chargeable.

Then for me spending criteria is the option 🥲

 

[007]

Then for me spending criteria is the option 🥲

One can easily achieve the spend criteria through rent payments. I did same for Millenia, got the LTF confirmation within a month.

 

[Bob78900]

One can easily achieve the spend criteria through rent payments. I did same for Millenia, got the LTF confirmation within a month.

Wait rent payment will be counted in this👀👀? Fuel Spends also?

 

[hariselio]

got the LTF confirmation within a month

can you share more info on the timeline? When did you receive card? When did you achieve the spend limit? and when you got to know LTF confirmation? LTF confirmation is through email, if so from which email id? Sorry for so many questions 😀

 

[Bob78900]

Everything
I always pay for fuel using CC (HDFC business moneyback)

Okay Thankyou so much one can bear 1000 charges for rent payment for 3months maybe less than 1000 for achieving 50k spending criteria. Instead of getting charged 1k every year❤️

 

[007]

Wait rent payment will be counted in this👀👀? Fuel Spends also?

Yes
I don't do Fuel payments using CC so can't say.

 

[Bob78900]

For my CC, fuel surcharges are reversed along with GST component

My fuel spends are not much just around 250 for a week or two. Can you tell me if someone got Upgrade from money back to millennia. And it is not ltf still he can make his millennia ltf by matching above conditions. I mean to say ltf conditions are applicable to upgraded card also🥲🥲

 

[007]

can you share more info on the timeline? When did you receive card? When did you achieve the spend limit? and when you got to know LTF confirmation? LTF confirmation is through email, if so from which email id? Sorry for so many questions 😀

I received Moneyback CC on 18th April though I had applied for Millenia. So I mailed at grievance.redressalcc@hdfcbank.com regarding the same. They upgraded to Millenia, and I received it on 11th May.

I had done ₹20K spends on Moneyback, those were transferred to Millenia automatically. After receiving the card I did around ₹35K spends (including Rent payment and offline spend). I called CC after this, but they told me I need to spend 3 lakhs in 90 days to make it LTF. I was pissed off after hearing this As I was shown 50K spend in 90 days criteria while applying. I replied back to the same ID attaching screenshot of the above spend criteria which I was shown while applying. After 2 days got a reply that my card has been converted to LTF. I confirmed the same with customer care on call.

 

[007]

Okay Thankyou so much one can bear 1000 charges for rent payment for 3months maybe less than 1000 for achieving 50k spending criteria. Instead of getting charged 1k every year❤️

I didn't pay a single penny to do rent payment. There was a offer running on Paytm of flat 2% cashback upto ₹1000 on rent payments. They charge ~1.60% as processing fee, so I got paid instead to do rent payment. 😁

 

[Bob78900]

If spend per transaction is under 500, it'll attract charges

Please also explain the upgrade card part also